Assessing Damage for Maximum Claim Benefits
Whether you're a seasoned hurricane survivor or facing your first major storm, this guide is designed to empower you with the knowledge and steps needed to safeguard your property, your loved ones, and your peace of mind.
From proactive measures before the hurricane hits to navigating the aftermath and insurance claims, we're here to stand by your side every step of the way. Together, we'll navigate the storm, assess damages, and help you rebuild.
Download our comprehensive checklist to help you prepare before the hurricane strikes and handle the aftermath more effectively.
Preparing for Hurricane Season
It's essential to familiarize yourself with your policy well in advance, so you're fully prepared when hurricane season arrives.
Give special attention to how your policy addresses water and flood damage. Typically, storm-induced floods aren't included in your standard hurricane policy but require a separate flood insurance policy.
It's important to note that most policies come with a 30-day waiting period before they become effective. Don't wait until a hurricane is on the horizon to make adjustments or apply for coverage. Start the process now to ensure you're adequately prepared.
Don't let this crucial step slip by – check your policy today!
Not sure what you’re looking for?
Give us a call at (813) 437-3864 and we can help walk you through
the confusing language of your insurance policy.
Before the Storm
Hurricanes, with their immense power and unpredictable trajectories, can leave homeowners feeling vulnerable and anxious. But in times of uncertainty, having a plan in place can provide a much-needed sense of control. No matter the size of the storm, or where you are in its path, your home could be damaged enough to warrant an insurance claim. Being prepared can make all the difference.
Follow this pre-storm checklist
anytime a storm approaches:
Document Your Property: Begin by taking photos or videos of both the interior and exterior of your home. These records will serve as crucial documentation for your
insurance claim.
Emergency Contacts: Save important contacts, including your adjuster's information and local emergency numbers, in your phone or on a physical list. Quick access to these contacts can prove invaluable in times of crisis.
Prioritize Safety: Above all else, prioritize safety. Do not enter unsafe areas or damaged structures. Wait for authorities to declare it safe before returning home after an evacuation.
Print Your Homeowner’s Insurance Policy: In the digital age, it's wise to have a hard copy of your insurance policy on hand. This ensures that you have immediate access to your policy details, even if electronic devices fail during the storm.
After the Storm
Once the storm has passed, it's crucial to meticulously assess your property for any damages, both structural and personal, as the first step in your recovery journey. Additionally, remember to gather evidence of these damages, as this documentation will be vital when filing your insurance claim.
Your insurance company will likely be dealing with thousands, if not hundreds of thousands of claims in the aftermath of a storm. To expedite your claim and receive a prompt payout, submit it as soon as possible.
Follow this post-storm checklist to
get the claim process going ASAP:
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Begin by conducting a systematic inspection of your property. Start from the foundation and work your way up to the roof, noting any interior and exterior damage. Take detailed notes and photographs.
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Make a list of damaged personal belongings, including furniture, electronics, and valuables. This inventory will be essential when filing your insurance claim.
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Don't forget to identify damages to landscaping, fences, decks, and pools if you have them. These can also be covered by your homeowner's insurance policy.
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If you operate a home-based business, document the impact on your income due to business interruption. Your policy may cover lost income in such cases.
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If your home is uninhabitable due to damage, consider temporary housing options. Your policy may cover these costs, but it's essential to understand the specific terms and limits.
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Document any repairs or actions you take to prevent further damage to your property. These proactive measures may be reimbursable through your insurance.
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Gather receipts, photos, or proofs of ownership for damaged items. Take clear, date-stamped photos and videos of all damages and losses. This evidence will strengthen your insurance claim.
Documenting the process is just as important as inspecting everything, if not more so. Taking photos and videos of any damage can help build a strong case and make the entire process go smoothly.
Call Liberty Adjusters Before You File Your Claim
When dealing with the aftermath of a hurricane, you don't have to face it alone. Due to the complexity of hurricane insurance claims, it is critical to enlist the help of a state-licensed and experienced public insurance claims adjuster.
Contacting a public adjuster like Liberty Adjusters first is essential because they prioritize your best interests and can provide valuable guidance in understanding the complexities of your insurance policies, ensuring you receive the compensation you deserve without delay or complications. Give us a call at (813) 437-3864 or click below to contact us today.
Follow this claim checklist to get
the settlement you deserve:
First Phone Call: Reach out to a public adjuster before contacting your insurance company. A public adjuster works exclusively for you, representing your best interests throughout the claims process.
Claim Documentation: With the expertise of a public adjuster, you can confidently share your claim information and evidence with us, and we will submit the claim on your behalf increasing your chances of a fair settlement.
Claim Process Transparency: Your public adjuster will guide you through the complexities of your homeowner's insurance policies, helping you understand process, coverage limits, deductibles, and exclusions.
Receive the Settlement You Deserve: Liberty Adjusters will advocate for your claim to ensure you receive the maximum amount you're entitled to, helping you reclaim the comfort and security you deserve in your home.
Liberty Adjusters is Here for You Every Step of the Way
When a hurricane strikes, you need a trusted partner on your side. Our mission isn't just about processing claims; it's about providing support and reassurance when you need it most. When you reach out to us, you're not just getting an adjuster; you're getting a partner who will stand by your side, advocating tirelessly for your rights, and working to ensure you receive the settlement you deserve.
“When disaster unexpectedly strikes its hard to figure out which way is up sometimes. Ryan took control of the situation and guided me through the entire process.”